1D·

Aggregated portfolio, 21 years

Hello everyone,

I wanted to present my portfolio, consisting of three portfolios, and ask for your opinion.

I'll keep this as brief as possible 😃.

I started investing about a year ago with a savings installment of 250 euros.

Thanks to an inheritance at the beginning of 2025, I was able to increase my savings rate and am now "waiting" until the money is invested.

As I wanted to do something separately for my pension, I opened a custody account with SC in addition to TR and am investing there in the classic way with 70/30 in $SPPW (+0.46%) and $EIMI (-0.08%) .

With TR I save $IWDA (+0.44%) , $CSNDX (+0.05%) and also the $EIMI (-0.08%) (hence the large sum in the combined portfolio).

I had actually considered investing a little more riskily here at some point and adding individual shares.

I would like to part with the altcoins soon and just $BTC (+0.42%) keep them. The STOXX 600 should also be out soon.

My question now is whether it makes sense at all to save twice for the MSCI World and the Emerging Markets or whether I should simply hold one each, as I could then possibly invest more riskily with other ETFs or individual shares.

I would welcome constructive criticism and suggestions for improvement 😃

Thank you very much!

10Positions

€28,462.37

4.51%

5 Comments

wealth_architect_2053@wealth_architect_2053

I would rather expand the Stoxx600 instead of dropping it, otherwise regional diversification is lacking in my opinion. EM has a very large share, I would save less and basically it makes no sense to save the same ETF twice, as higher costs are incurred. Otherwise it looks good :) As I said, I would tend to put the money from the altcoins into the Stoxx 600 or individual European shares

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MB05@M_Bo

@wealth_architect_2053 Okay, thank you! So would I prefer the S&P500 instead of the MSCI World, or could I expand the NASDAQ if I want to take a bit more risk in this portfolio anyway?

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VP@VPT

I would go back to the original purpose of your two depots.

Invest your fixed sum for the "pension" at SC, e.g. 60% of your savings rate or whatever in 70/30. In my opinion, this is perfectly fine, even without Europe.

And leave the other e.g. 40% of your available funds that you want to invest in TR for "riskier" purchases (i.e. remove the additional World and EM)

The 40% in TR then e.g. split again into half ETF e.g. NASDAQ and the other half individual stocks like bitcoin and gambling

I would definitely keep the NASDAQ in fixed savings, despite overweighting and duplication with the SC portfolio.

In addition, you can think of a concentrated Stoxx50 in the TR portfolio instead of the 600 if you want to include Europe.

I would not invest in the S&P and the Stoxx600 in your constellation.

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MB05@M_Bo

@VPT Thank you very much! 😊
As I already have the ETFs at TR, should I sell them directly and switch savings plans or should I wait?

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VP@VPT

@M_Bo you need to know. It won't hurt anyone if you leave them there. I would probably have sold them (if they were OK for tax purposes) so that I had "order". If they don't bother you, leave them there.

Switching savings plans - well, that's what I would have done, as I said on Nasdaq100 and just gimmicks.

Maybe you have individual stocks in mind that you find interesting and want to buy with the money from the ETF sale.

Or you could take the money from the sale and move it to SC for your core/retirement

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